What should military members do about life insurance when separating from service in Nevada?

Separating from military service creates an immediate life insurance planning need. SGLI coverage ends within 120 days of separation. Veterans have 240 days from separation to convert to VGLI without medical underwriting — this window is important and should not be missed by those with health conditions that might make civilian underwriting difficult.

For veterans in good health, this is an ideal time to compare VGLI costs with civilian policies. Civilian term life insurance for healthy veterans in their 20s, 30s, or 40s is often more affordable than aging VGLI premiums over the long term, while offering additional policy features.

The Transition Assistance Program (TAP) at Nevada's military installations covers life insurance transition topics, but provides general education rather than personalized coverage guidance. Working with a Nevada-licensed insurance agent during the separation period ensures coverage continuity and allows comparison of VGLI versus civilian options.

Agents in our network can assist separating Nevada military members identify appropriate civilian coverage and help ensure no coverage gap occurs during the transition period.